Full-Time

Mortgage Loan Originator 2

Heritage Financial Credit Union

Heritage Financial Credit Union

51-200 employees

Not-for-profit credit union offering full-service banking

Compensation Overview

$20.79 - $25.99/hr

Middletown, NY, USA

In Person

Regular travel and attendance at realtor and networking functions are required.

Bachelor's

Category
Finance & Banking (1)
Required Skills
Microsoft Office
Sales
Computer Networking

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Requirements
  • A four-year college degree is preferred, plus five to seven years of experience in sales and/or financial counseling, or a comparable combination of education and experience.
  • A Notary designation is required, or the employee must be able to attain it within six months.
  • Knowledge of accounting principles, underwriting, and compliance guidelines is required.
  • The employee must gain working knowledge of Bank Secrecy Act requirements and comply with applicable requirements.
  • Experience using personal-computer-based software and Microsoft Office is required.
  • The ability to maintain a professional appearance and positive attitude is required.
Responsibilities
  • Actively sell credit union products and services, including consumer and real estate loans; perform credit counseling, analyze credit reports, and resolve difficult member issues.
  • Develop mortgage loan business for members and non-members within the credit union's field of membership.
  • Interview and counsel new and existing members regarding mortgage products and other credit union products and services.
  • Stay informed about trends and developments in the local real estate market.
  • Participate in sales development activities and continuing education opportunities.
  • Interact with credit union personnel to ensure seamless service and processing of approved applications.
  • Adhere to current laws and coordinate lending activities with the loan department to ensure compliance with loan terms.
  • Perform the position's responsibilities in accordance with federal and state regulations and credit union policies and procedures.
  • Refer members to Financial Services when appropriate.
  • Work non-traditional hours as necessary to meet member and credit union needs and goals.
  • Travel regularly to maintain and build networking relationships that promote the credit union and its products and services.
  • Attend realtor and networking functions to promote credit union brand awareness.
  • Maintain a presence in the local mortgage industry to create and promote mortgage brand awareness.
  • Use networking relationships to bring new memberships and mortgage loans to the credit union.
  • Assist in training new employees.
  • Recommend changes to workflows, efficiencies, and quality processes.
  • Meet goals and core compensation requirements.
  • Perform additional duties as assigned.
Desired Qualifications
  • A four-year college degree.
  • Five to seven years of experience in sales and/or financial counseling.
Heritage Financial Credit Union

Heritage Financial Credit Union

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Heritage Financial Credit Union provides full-service banking to members across several counties, focusing on community growth. It operates as a not-for-profit cooperative, reinvesting earnings into members and the community rather than paying shareholders. Its products include checking, savings, loans, and online banking, all accessible to anyone who lives, works, worships, or studies in its service areas. Members’ deposits are insured by the NCUA up to $250,000. How it works: members open an account with as little as $0.01 and use standard banking services; earnings are returned through lower loan and account rates, member dividends, and community funding. How it differs: unlike for-profit banks, it reinvests profits into members and local programs, emphasizing personalized service and financial literacy. Goal: to empower financial growth for people and communities by delivering accessible banking, supporting local jobs, education, and philanthropy.

Company Size

51-200

Company Stage

Grant

Total Funding

$3.7M

Headquarters

Town of Wallkill, New York

Founded

1940

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Simplify Jobs

Simplify's Take

What believers are saying

  • May 1, 2026 federal charter unlocks Passaic and Putnam County member growth.
  • Upstart referral network can scale originations without branch-heavy hiring or marketing spend.
  • July 2026 site updates show active lending products and rates across personal-loan categories.

What critics are saying

  • Upstart dependence concentrates personal-loan growth in one outside platform and underwriting channel.
  • Federal charter conversion on May 1, 2026 adds regulatory and integration execution risk.
  • Competitors in Hudson Valley can undercut rates, draining member growth and deposits quickly.

What makes Heritage Financial Credit Union unique

  • May 1, 2026 federal charter expands Heritage Financial Credit Union across eight counties.
  • October 4, 2023 Upstart partnership gives HFCU AI-driven personal loan distribution.
  • HFCU combines community branding with national charter insurance and broader geographic reach.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Employee Assistance Program

Health Savings Account/Flexible Spending Account

Pet Insurance

Legal Services

401(k) Company Match

Educational Assistance

Paid Vacation

Paid Holidays

Growth & Insights and Company News

Headcount

6 month growth

8%

1 year growth

9%

2 year growth

9%
PYMNTS
Oct 5th, 2023
FinTech IPO Index Slides 3% as Affirm and Blend Lead Declining Stocks

The company said Wednesday (Oct. 4) that Heritage Financial Credit Union, serving seven counties in New York, has partnered with Upstart to provide personal loans.

Yahoo Finance
Oct 4th, 2023
Heritage Financial Credit Union Selects Upstart for Personal Lending

Heritage Financial Credit Union selects Upstart for personal lending.